Podcasts about calculating

Have you ever had a moment where you're like, “Is this really my life?” Yeah… me too. Mine happened mid-cry on a StairMaster, squeezing in a 90-minute workout because I thought being “the fit girl” was my golden ticket to happiness. Sigh....t wasn't. In this Fit Girl Magic episode, I'm pulling back the curtain and sharing the raw, messy truth about how I ditched the grind, stopped earning my worth through workouts, and started living what I now call The Flip Flop Life™. This isn't about giving up on health. It's about giving up the hustle and rewriting the rules you didn't even realize were running your life. If you're tired of: ✔️ Monday “fresh starts” ✔️ Calculating every bite and step ✔️ Feeling like health is your second job …then, girl, you're going to LOVE this conversation. I'll share: ✅ The pivotal moments that cracked my “hardcore” fitness identity ✅ Why discipline was really desperation in disguise ✅ How to finally let yourself off the unrealistic hook ✅ And what living The Flip Flop Life actually looks like If you've been craving more joy, less judgment, and a whole lot of freedom, you need to listen to this one.

What if I told you that sleeping fewer hours could actually make you perform better? Most people think they need 8-9 hours of sleep to function at their best. But here's what high performers are discovering: when you optimize your sleep quality, you can actually sleep less and feel more energized, focused, and productive than ever before.In this episode, you'll learn the 3 steps for more efficient sleep and what you can do to fall asleep faster and get more restorative sleep. Schedule a consultation to get started with the Complete Sleep Solution program so you can consistently sleep 7+ hours uninterrupted, naturally and permanently. https://p.bttr.to/3VJwvDs00:00 Introduction: The Sleep Efficiency Myth00:54 Meet Andrew: A Case Study in Sleep Optimization01:47 Identifying Sleep Stealers: The Root Causes04:16 Three Steps to More Efficient Sleep06:38 Calculating and Improving Your Sleep Efficiency08:52 Conclusion: Achieve Peak Performance Through Better Sleep

Todd and James are back to help me take YOUR questions which means it's time for another episode of our Homebrew Happy Hour podcast!… THE home brew #podcast where we answer all of your home brewing questions and discuss anything related to craft beer! A NOT SO SUBTLE REMINDER: If you appreciate the things we […]

We are back with a jam packed episode at an exciting but turbulent time.In this episode we discuss:- S3 Calculations: Why we are optimistic- S3 Reality vs Possible future effects- Financial framework for MSO upside- Strategy for managing risk - Revealing my cannabis portfolio- What I've bought & sold recentlyThanks to Hirsh for a great discussion as alwaysConnect with Hirsh:LinkedIn - ⁠⁠https://www.linkedin.com/in/hirsh-jain/⁠⁠Twitter - ⁠⁠https://twitter.com/anandastrategy⁠⁠Hirsh's Website - ⁠⁠https://anandastrategy.com/

Inventory and materials management may not sound glamorous, but for us—and for any thriving shop—it's the difference between healthy cashflow and a financial chokehold. In this Machine Shop MBA conversation, we break down how smart inventory practices—both physical and digital—can free up space, cut costs, and improve delivery performance. From raw materials and finished goods to WIP and cutting tools, we share the financial, operational, and workflow implications of what you keep on the shelf (and what you shouldn't). You'll hear real-world examples of vendor-managed material programs, strategies for keeping traceability without burying yourself in admin work, and ways we've turned “dead” stock into real cash. We also dig into why inventory accuracy matters beyond just making parts—touching on tax implications, property valuations, and how inventory missteps can kill the value of your business in a sale. And if you've ever lost hours hunting for the right cutter or fixture, our storage and tracking advice might change the way you think about tooling forever. This episode isn't about counting nuts and bolts—it's about building an inventory strategy that supports your cashflow, your team's efficiency, and your long-term profitability. Segments (0:24) Paperless Parts: Quoting made simple, profitable, and powerful (3:09) Why inventory is “sneaky important” for cashflow, workflow, and profitability (4:00) Common categories: raw materials, finished goods, consumables, and workholding (6:30) “Part stock” vs. catalogued vs hybrid strategies (7:58) Calculating the real cost of capital when buying material in bulk (10:45) Consolidating material sizes to reduce stock complexity (13:07) Physical storage, traceability, and avoiding costly scrap from lost certs (15:07) Labeling and marking best practices—from PO numbers to color codes (19:05) Storage layouts that save space and speed up retrieval (22:28) FIFO, LIFO, and how inventory accounting can impact your taxes (24:07) Why you need to check out the SMW Autoblok Catalogue  (24:50) Why WIP can matter for accurate financials and business valuation (29:24) Cycle counting vs. painful year-end full inventory counts (33:26) Real-world wins from knowing exactly what's on your shelves (36:10) Avoiding the trap of overbuilding and obsolete finished goods (39:09) Using contracts and order commitments to protect yourself from rev changes (42:02) Inventory strategies for cutting tools—your most critical shop consumable (45:11) The value of having the right tool at the right time vs. lowest cost (49:45) Why random storage beats “organized” by type for cutting tools (52:19) Fixture storage, location tracking, and purging rarely used setups (54:39) How reviewing inventory can generate sales and free up cash (57:35) Key takeaways for building a smart, profitable inventory strategy  (58:42) Grow your top and bottom line with CLA Resources mentioned on this episode Tooling and the Demon of Chaos Unlocking Tax Savings: Essential Strategies You Can Implement Immediately Paperless Parts: Quoting made simple, profitable, and powerful Why you need to check out the SMW Autoblok Catalogue  Grow your top and bottom line with CLA Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Bart breaks down one of the biggest hero folds that he has made in his career breaking down the math he used in the moment.

Thinking about buying a car? Before you sign on the dotted line, grab your coffee and join me and our coach on the clipboard, Nic, as we share *proven* car-buying strategies that can save you thousands. Whether you're eyeing a new, used, or certified pre-owned vehicle, this episode reveals how to negotiate like a pro, avoid dealership traps, and understand the *true* cost of ownership. We'll break down the difference between sales price and “Out the Door” pricing, how to factor in maintenance, insurance, fuel, and even resale value. Plus, you'll hear how Nic saved a client $11,000 on a Lexus and why buying an unpopular car at the right time can be a genius money move. This is your roadmap to a smarter, stress-free car purchase—no buyer's remorse required. **Episode Timeline:** [00:40] - Why most people overpay for cars—and how to avoid it. [02:22] - The “time limit” tactic that makes dealerships work faster. [05:20] - Real story: How research turned a $11K overpay into a huge win. [08:00] - New vs. used: The millionaire's approach to vehicle buying. [12:28] - Calculating total cost of ownership (insurance, fuel, and more). [16:45] - “Out the Door” pricing: The number that *really* matters. [22:33] - The contrarian strategy: Why buying the car nobody wants can be brilliant.   **Links & Resources:** - *The Millionaire Next Door* by Thomas J. Stanley & William D. Danko - MSN Autos: [msn.com/autos](https://www.msn.com/autos)   If you found this episode helpful, please **rate, follow, review, and share** *Coffee with Your Retirement Coach*. It's the easiest way to help others save money and drive away happy!  

Episode Description: Trolly Moly the Trolls are back! A surprise messenger sends Max & Molly off to ancient Egypt to stop the Trolls from sabotaging the legendary Lighthouse of Alexandria. Can they decode a watery weapon, navigate nautical math, and save one of the Seven Wonders of the World? Math Concepts:  Division and ratios; Patterns and extrapolation; Estimating and solving with proportional reasoning; Understanding speed units like knots and converting between degrees, arc minutes, and arc seconds; Calculating how long it takes to travel one degree of latitude at a given speed.History/Geography Concepts: The history and significance of the Lighthouse of Alexandria; Use of lighthouses in ancient maritime navigation; How ancient ports like Alexandria supported trade and cultural exchange; Protractors and angles in real-world physics (catapults); Cultural geography: Nile Delta, ancient Egypt, ancient Alexandria

What was something on your childhood wishlist that you're still kind of mad that you never got?Calculating potency isn't just math—it's the fundamental skill that transforms your cannabis kitchen from a guessing game into a precise culinary art. Whether you've ever found yourself unexpectedly bonding with your couch for six hours after a miscalculated brownie or thrown away gifted edibles because you had no idea how strong they were, this episode solves the dosing dilemma once and for all.I break down the seemingly complex world of THC calculations into a straightforward formula anyone can master, walking you through real examples that demonstrate exactly how to determine what's in each serving of your homemade treats. You'll discover why even experienced cannabis consumers sometimes need just a fraction of a gram to create perfectly dosed edibles, potentially saving you significant money while delivering consistently reliable experiences. Grab your Edible Dosing Cheat Sheet over at the website. By the end, you'll understand why knowing your numbers isn't about taking the fun out of edibles—it's about ensuring every experience is the right kind of fun.Continue the conversation and start connecting—head to JoinBiteMe.com right now. You'll find a private community of cannabis growers, makers and lovers who are just as obsessed or curious as you are.Support the show Visit the website for full show notes, free dosing calculator, recipes and more.

Continuing our Account Based Prospecting expert series, in this episode, Samis joined by Mason Cosby, founder and CEO of Scrappy ABM, to discuss the intricacies of account-based marketing (ABM) and its application in recruitment.Throughout the conversation, they cover a lot of ground:From exploriing the importance of niching down, to identifying the right audience, and some of the challenges organizations face when implementing ABM strategies. Mason shares tactical steps for building an effective ABM program, emphasizing his 4D approach. We're not being cheeky when we say these are assets and advice you'd typically have to pay someone to give you — so listen, take notes, and be well on your way to improving your marketing and prospecting efforts...just. like. that. Chapters:00:00 - Why ABM is the ultimate growth tool for modern recruiters06:12 - Beyond spray and pray: Evaluating your recruitment lead generation09:05 - Is your recruiting agency ready for account-based marketing?16:10 - How to build your ABM strategy for client acquisition35;01 - How to find and leverage data to build your ideal client profile41:50 - From data to deal: Activating your ABM client prospecting54:05 - Beyond placements: Calculating the ROI of your ABM strategyExplore all our episodes and catch the full video experience at loxo.co/podcastBecoming a Hiring Machine is brought to you by Loxo. To discover more about us, just visit loxo.co

A dedicated office space for a doula business can bring professionalism, visibility, and a central hub for meetings and classes. It can also come with significant costs and added responsibilities. Understanding the pros and cons is essential before making the investment. Calculating the potential return on investment provides a clear picture of whether it is a worthwhile investment. It is important to weigh costs such as rent, utilities, insurance, and furnishings. Compare them to potential income, client convenience, and growth opportunities. Carefully exploring these factors can reveal if an office space for your doula business will truly support long-term goals. It may also show if your resources are better used elsewhere. Join us as we discuss location evaluation, shared versus private spaces, and creative ways to maximize usage. Learn how to align your decision with your overall business strategy.

In this episode, dental software expert Dayna Johnson breaks down the complexities of estimating dental insurance coverage and how to navigate the challenges that come with today's evolving benefits landscape. She explains the key differences between the fee schedule method and the allowed amount method, shedding light on which approach may be right for your dental practice. From exceptions and downgrades to patient communication and the use of technology like Dentrix and Eligibility Pro, Dayna offers practical, real-world strategies to improve accuracy in insurance estimates and create more confident treatment presentations. You'll learn how to involve patients in understanding their coverage, handle difficult estimate scenarios, and streamline your process for better efficiency and profitability. If your dental team struggles with insurance estimation accuracy, this episode is packed with tips, tools, and insights to help you take control of the process. Key Takeaways: Understand the difference between the fee schedule and allowed amount methods. Learn why estimating insurance has become more complex over the years. Identify common exceptions that complicate estimates. Use Dentrix to manage calculations effectively. Navigate downgrades in coverage with confidence. Educate patients on their insurance coverage and responsibilities. Simplify syncing coverage details with Eligibility Pro. Use overrides in Dentrix for accurate treatment plan estimates. Improve patient conversations around insurance expectations. Commit to continuous training for better estimation accuracy. Chapters: 00:00 – Understanding Insurance Estimation Methods 02:41 – Navigating Exceptions in Insurance Coverage 05:21 – Fee Schedule vs. Allowed Amount Method 08:13 – Handling Downgrades in Treatment Plans 11:16 – Utilizing Dentrix for Accurate Estimates 13:54 – Enhancing Patient Communication and Involvement Please rate, review and share this episode with your colleagues. Book a call with Dayna: calendly.com/dayna-johnson/discovery-call

Solving Insomnia: 5 Proven strategies to help you sleep through the night is a series published in Authority Magazine. This episode is part of that interview. Shawna Robins asked, "What would you advise for people should do if they wake up and can't fall back to sleep. Dr. Vickie's answers might surprise you. Check out Authority Magazine for the full interview coming soon.  5 Proven Strategies to Help You Sleep Through the Night Adjust your expectations: It is normal to wake up 5-7 times during the night. But trying harder to sleep makes sleeping harder.  Don't do clock math. Calculating how much sleep you'll get if you fall asleep now is counterproductive.  Rest, just rest. Embrace non-sleep restorative rest.  Turn off your mind. This one is definitely hard. Try cognitive shuffling.  Get out of bed if laying there is distressing. If you can't relax, get up and leave the bedroom and do something boring or soothing until you feel sleepy.  Solving insomnia isn't easy. Check out the resources on my website.   

Why do we follow orders or go along with things that feel wrong? Why might defiance be better than compliance? And how can we go about becoming more defiant?Episode SummaryI've always been fascinated by why people obey, even when it clashes with their instincts or values. In this conversation, I'm joined by Dr Sunita Sah — a physician-turned-organisational psychologist whose work explores the hidden social, cultural, and psychological forces behind compliance. Drawing from her research and personal journey, Sunita reframes defiance as alignment with our true values, not reckless rebellion. We unpack concepts like “insinuation anxiety” — the discomfort of signalling someone else might be wrong — and explore her five-stage model of defiance, from recognising tension to taking decisive action. Sunita explains why compliance is often mistaken for consent, why both have distinct definitions, and why many of us have never practised saying “no” skillfully. Along the way, she shares vivid examples from medicine, aviation, parenting, and history, including the calculated defiance of Rosa Parks. For leaders, Sunita offers a challenge: create environments where dissent is safe and effective, and treat defiance as valuable feedback. For all of us, she suggests starting small — practising low-stakes resistance to build our “defiance muscle.” Whether you're a rule-maker, rule-follower, or both, this episode invites you to rethink the stories you tell yourself about compliance, and to see saying “no” as a powerful tool for living with integrity. Guest Bio Self-Description:Dr Sunita Sah is a physician-turned-organisational psychologist and Professor of Management Studies at Cornell University. Her research examines the social, organisational, and psychological forces that influence decision-making, particularly in contexts involving authority, conflicts of interest, and ethical dilemmas. She is the author of Defy: The Power of No in a World That Demands Yes (US title: Defy: How to Speak Up When It Matters), a book that reframes defiance as a vital life skill. AI-Generated Timestamped Summary [00:00:00] Opening & why we obey even when it feels wrong[00:02:00] Sunita's career journey: medicine to organisational psychology[00:05:00] Personal experiences shaping her research[00:07:00] Redefining compliance vs. consent[00:10:00] The five elements of informed consent[00:11:00] Introducing “insinuation anxiety”[00:14:00] High-stakes and low-stakes examples of silence[00:18:00] Why people resist defiance — lack of skill and practice[00:20:00] New definition of defiance as value alignment[00:23:00] Tension as the first stage of defiance[00:25:00] Stage 3: asking clarification questions[00:27:00] Scripts for skilful defiance[00:30:00] Practising in low-stakes situations[00:33:00] Speaking up for others vs. for oneself[00:36:00] Defiance as a skill, not a personality[00:38:00] Calculating safety and effectiveness of defiance[00:41:00] Costs of compliance vs. costs of defiance[00:44:00] Clarifying values to lower stress and improve integrity[00:46:00] Leadership responsibility for safe dissent[00:48:00] Performative vs. genuine speak-up systems[00:50:00] Defiance as contagious behaviour[00:52:00] The role of mischief and playful resistance[00:56:00] Saying yes when the world expects no[00:58:00] Advice for compliance officers and leaders[01:00:00] Upcoming courses on defiance and decision-makingLinksSunita's website: https://www.sunitasah.comDefy: The Power of No in a World That Demands Yes — https://www.sunitasah.com/defySunita's Cornell University faculty profile — https://www.johnson.cornell.edu/faculty-research/faculty/sunitasah/

Strong storms this week have people taking precautions for their home. What to do if your home is damaged after a storm. Deck maintenance materials. Is it necessary to insulate a garage if drywall is already up? Attic inspections and when insulation is needed in your home. Outdoor spaces are growing in popularity. Calculating the cost of replacement and repair. When is it necessary to seal a deck? Pros and cons of different flooring materials. What to know before selecting a contractor for a big project on your home. Contact Andy at lindusconstruction.com or you can call 844-9lindus.

In this Dialogue episode of The Synopsis, Drew has a "dialogue" of one as he reviews 2Q25 earnings from Floor & Decor and Meta. You can find free versions of these updates below.  Meta 2Q25 Business Update  Floor & Decor 2Q25 Business Update If you want to get a free trial to access >200k AlphaSense expert call transcripts, you this link here.  ~*~ For full access to all of our updates and in-depth research reports become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. -*-*-*-*-*-*-*-*-*-*-*-*-*-*- Show Notes (0:00) — Intro (1:24) — Floor & Decor 2Q25 Update (16:07) — Meta 2Q25 Update  -*-*-*-*-*-*-*-*-*-*-*-*-*-*- For full access to all of our updates and in-depth research reports, become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. At the time of publication, one or more contributors to this report has a position in META and FND. Furthermore, accounts one or more contributors advise on may also have a position in META and FND. This may change without notice. Please see our full disclaimers here:  https://speedwellresearch.com/disclaimer/

The Government says it won't make the same mistakes as the last if hit with an event similar to the Covid-19 pandemic. A Treasury report has calculated the total cost of the pandemic at $66 billion. It puts New Zealand among the highest spenders as a proportion of GDP on the Covid response in advanced economies. Finance Minister Nicola Willis told Ryan Bridge nearly half of the spending was on unnecessary initiatives. She says it didn't make a difference to the economy, and racked up huge amounts of debt. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Today's focus is on gold as an ancient monetary value and addressing the challenge of earning a yield on gold. Jason also invites listeners to join an upcoming Jason Hartman University workshop in Phoenix at the end of September, which includes a bonus property tour and emphasizes learning the math of income property. Jason also mentions a masterclass scheduled for the second Wednesday of each month and encourages listeners to register. http://jasonhartman.com/phoenix http://jasonhartman.com/Wednesday Jason then welcomes Keith Weiner, the founder of Monetary Metals, to discuss his background and transition from software to the precious metals industry, including his solution for investing in precious metals and insights on Bitcoin's impact on monetary awareness. They explore other business models of renting gold to various industries, highlighting its innovative approach to financing gold inventory and potential advantages over traditional banking methods. Keith shares his experience with gold leasing and manufacturing, explaining concepts like fungibility, convexity, and the benefits of renting over owning in business contexts, while emphasizing the low risk nature of their gold rental business model. Invest with Monetary Metals via https://www.monetary-metals.com/Hartman Follow Keith at X: @realkeithweiner #MonetaryMetals #KeithWeiner #GoldYield #PreciousMetals #GoldLeasing #SilverYield #FinancialInnovation #FiatMoney #MonetarySystem #Convexity #GoldAsMoney #YieldOnGold #AssetManagement #JewelryIndustry #RecyclingGold #SputteringTechnology #FinancialFreedom #InvestmentStrategy #RealEstateInvestment #GoldFinance   Key Takeaways: Jason's Intro 1:33 Welcome 2:24 Sign up for JHU at the end of September 3:54 Join our FREE Masterclass every second Wednesday of each month Keith Weiner interview 4:17 Keith Weiner, bitcoin and the corrupt monetary system 7:04 Solving an investment problem 11:37 Being fungible and the dynamics of how this works 14:56 Tracking collateral and minimizing risks 16:41 Sputtering 19:12 How an investor can dive in 21:35 Calculating the numbers and getting paid in gold 24:48 Length & liquidation of contracts  27:52 Using gold as money     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

On Friday, the Bureau of Labor Statistics reported that job creation in the U.S. was much lower than expected in July, and revised down its numbers for May and June, reporting there were 258,000 fewer jobs created in those months than initially estimated. President Trump, upset about the revisions, then proceeded to fire the head of that Bureau. The president now says he'll name a replacement in the coming days. Plus, why the manufacturing sector is struggling and how storm-chasing scientists are working to unlock the mysteries of hail.

On Friday, the Bureau of Labor Statistics reported that job creation in the U.S. was much lower than expected in July, and revised down its numbers for May and June, reporting there were 258,000 fewer jobs created in those months than initially estimated. President Trump, upset about the revisions, then proceeded to fire the head of that Bureau. The president now says he'll name a replacement in the coming days. Plus, why the manufacturing sector is struggling and how storm-chasing scientists are working to unlock the mysteries of hail.

#269 AI Search & SEO | In this episode, Dave is joined by Andrei Țiț, Head of Product Marketing at Ahrefs, a leading SEO tool trusted by marketers around the world. Andrei has been on the front lines of how AI is reshaping search and what that means for marketers trying to stay visible in an AI-first world.Dave and Andrei cover:Why branded search volume is now a top indicator of visibility in AI-generated results (and how to grow it)The new playbook for SEO in 2025, including what metrics to track beyond traffic and backlinksActionable tactics to get your brand mentioned by AI search tools like ChatGPT, Perplexity, and Google's AI OverviewsWhether you're a marketing leader or an SEO newbie, this episode will help you rethink your approach to content, attribution, and brand in the AI era.Timestamps(00:00) - – Intro (02:48) - – Why this was Exit Five's most-registered webinar ever (05:08) - – Meet Andrei from Ahrefs (06:48) - – Is SEO dead? Not quite, but it's harder than ever (08:28) - – AI traffic is growing fast (63% of sites already see it) (09:18) - – Why brand is your best SEO defense (11:48) - – How Google measures brand impact (keywords, mentions, clicks) (14:48) - – Calculating content ROI with traffic value (17:18) - – Why branded search volume predicts AI visibility (21:18) - – How to track brand mentions in ChatGPT, Perplexity & AI Overviews (24:18) - – AI traffic = fewer clicks, better leads (29:23) - – How to improve your visibility in AI-generated answers (36:23) - – Why backlinks matter less and PR matters more (43:23) - – New rules for writing content LLMs can surface (52:23) - – Final takeaways: metrics to watch and content to prioritize Send guest pitches and ideas to hi@exitfive.comJoin the Exit Five Newsletter here: https://www.exitfive.com/newsletterCheck out the Exit Five job board: https://jobs.exitfive.com/Become an Exit Five member: https://community.exitfive.com/checkout/exit-five-membership***Today's episode is brought to you by Walnut.Why are we pouring all this effort into marketing just to push buyers to a “request a demo” or “contact sales” button?Come on, today's buyers don't want to talk to sales right away. They want to explore your product themselves, see how it works, and understand its value before booking a meeting.That's where Walnut comes in.Walnut empowers marketers and GTM teams to create interactive, self-guided product experiences in minutes. Embed these experiences on your site, in emails, or anywhere in your funnel to let buyers engage on their terms, from awareness to close and beyond. That's the beauty of Walnut - you're getting a platform that your sales and CS colleagues can use to showcase the product too.And the best part? You get real intent data—see which features prospects love, where they drop off, and what's actually driving pipeline. Demo Qualified Leads are the new MQL.Over 500 companies, like Adobe and NetApp, use Walnut to drive 2-3x higher website conversion rates and 7 figures in pipeline on a yearly basis. So do you want to drive more leads, shorten sales cycles, and actually show your product instead of hiding it behind another typical B2B CTA? Go check out Walnut.io. And if you tell them Dave from Exit 5 sent you, they'll build out your first demo for free!

In this episode, Gillian breaks down four (+ an extra one) practical steps to stop mentally calculating calories... Because calories stick with you, even if you haven't tracked macros in years.If you feel like you know calories by heart and can't shut off the mental math, this is your guide to reducing the noise and finding more peace with food.You'll hear:What makes calorie calculations so stickyWhat to do instead of countingWhy your thoughts aren't factsHow mindfulness and values-based eating helpWhat to expect as you practice a new way of thinking

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-405

In this episode, we explore how chargebacks hurt online businesses and what smart store owners are doing to fix this problem. Chargebacks mean lost money, wasted time, and damage to your reputation with payment companies. Our guest Conor Lyden, founder and CEO of Trustap, shares how his company helps online stores fight fraud and secure payments.  He explains how one simple solution can replace multiple expensive tools while saving businesses thousands of dollars every month. Topics discussed in this episode:  Why a ticket scam led to building a global fintech solution. How Trustap protects e-commerce brands from chargebacks. Why chargebacks hurt more than just your wallet. How becoming merchant of record removes liability and tax stress. What makes Trustap a one-stop checkout plugin. Why some brands see up to 18% more profit with Trustap. How Trustap helps brands expand globally without local setup. What merchants miss when calculating real transaction costs. Why high-volume vs. high-ticket stores benefit differently. How onboarding takes just hours, not days. Links & Resources Website: https://www.trustap.com/ Shopify App Store: https://apps.shopify.com/trustap LinkedIn: https://www.linkedin.com/in/conor-lyden-442621b1/ X/Twitter: https://x.com/trustappayments Get access to more free resources by visiting the show notes athttps://tinyurl.com/bdk3buarMORE RESOURCES Subscribe to our FREE Newsletter: https://newsletter.ecommercecoffeebreak.com/ Free Store Optimization Beginners Guide: Instant PDF Download!

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Show Notes: https://securityweekly.com/bsw-405

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-405

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Show Notes: https://securityweekly.com/bsw-405

This week on the show, we're discussing the specifics of Required Minimum Distributions (RMDs) as we head into the second half of 2025. Whether you're approaching your first year of RMDs or have been taking them for a while, I break down everything you need to know, from when you need to start taking distributions based on your birth year, to how RMDs are calculated, which accounts are affected, and the potential tax consequences for missing a withdrawal. I'm also sharing eight practical strategies you can use to lower your future RMDs, including asset diversification, Roth conversions, tax-efficient income planning, optimizing Social Security timing, and even using charitable contributions to your advantage. With real-world examples and actionable tips, this episode is packed with valuable insights for anyone looking to navigate their retirement withdrawals as tax-efficiently as possible.  You will want to hear this episode if you are interested in... [02:48] Calculating your Required Minimum Distribution. [05:02] IRA distribution factors & penalties. [10:40] Retirement tax strategy tips. [13:35] IRA conversion tax planning. [15:37] Optimizing social security timing. [18:48] Tax-efficient investment account strategy. Smart Strategies to Manage Required Minimum Distributions (RMDs)  New rules over the past few years have pushed back when retirees must start taking RMDs. As of today: If you were born in 1959 or earlier, your RMDs begin at age 73. If you were born in 1960 or later, the threshold moves to age 75. RMDs apply to traditional IRAs, rollover IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans, including 401(k)s and 403(b)s. Importantly, Roth IRAs are not subject to these mandatory withdrawals during the owner's lifetime, providing an attractive planning opportunity. How RMDs Are Calculated Your annual RMD is determined by dividing the prior year's December 31 retirement account balance by a life expectancy factor from IRS tables. Most people use the IRS Uniform Lifetime Table. If your spouse is more than 10 years younger, you get a slightly lower withdrawal requirement by using the Joint Life Expectancy Table. For example, if you are 73 with a $500,000 IRA, and the IRS factor is 26.5, your RMD would be $18,868 for that year. If you miss your RMD, penalties can be steep, 25% of the amount not withdrawn, though if corrected within two years, the penalty drops to 10%. RMDs are generally taxed as ordinary income. If your IRA contains after-tax contributions, those aren't taxed again, but careful tracking is essential. The key is smart, proactive planning. RMDs increase your total taxable income, which can impact not just your IRS bill, but also Medicare premiums (thanks to the “IRMAA” surcharge) and eligibility for certain state tax breaks. Eight Strategies to Lower RMD Impact Here are several tactics to help retirees minimize RMDs' sting and keep more of their wealth working for them: Diversify Account Types Early Don't keep all retirement savings in pre-tax accounts. Consider a mix of pre-tax, Roth, and taxable brokerage accounts so you have flexibility in retirement to optimize withdrawals for tax purposes. Build an Optimized Retirement Income Plan Work with a financial advisor or CPA to design an intentional strategy for sourcing retirement income. With careful planning, you can potentially lower how much tax you'll owe and avoid unwelcome surprises. Do Roth Conversions When Taxes Are Low If you retire before collecting Social Security (and RMDs), you might have years of low taxable income, prime time to convert part of your traditional IRA to a Roth IRA at a low tax rate. Once in the Roth, future qualified withdrawals are tax-free. Delay Social Security for Strategic Reasons Delaying Social Security not only increases your monthly benefit but also gives you more low-income years for Roth conversions, thus reducing future RMDs. Consider Working Longer If you continue working past RMD age and participate in your employer's retirement plan, you may be able to delay RMDs from that plan until you retire (as long as you don't own more than 5% of the company). Aggregate and Simplify Accounts Roll over old 401(k) accounts into a single IRA if eligible. It's easier to track, calculate, and satisfy RMDs, reducing the risk of costly missteps. Optimize Asset Location Hold faster-growing investments (like stocks) in taxable accounts and slower-growing ones (like bonds) in IRAs. This helps slow the growth of your RMD-producing accounts, keeping future required withdrawals smaller. Use Qualified Charitable Distributions (QCDs) Once you're RMD-eligible, you can send up to $100,000 per year directly from your IRA to charity. It will count toward your RMD but won't be taxed, potentially a win-win for you and your favorite causes. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Retirement topics - Required minimum distributions (RMDs) | Internal Revenue Service   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

It's Sex With Sue's Turned On With Sue & John - guiding you through the new world of dating, love and romance, direct from our Community College Of Nookie Knowledge!This week - calculating your kink score - 700,000 people spill their bedroom secretsPLUS:- The Cinderella Rule (Why Some Couples Have a Sex Curfew)- Lazy Susan Trick for Surprise Foreplay (This week's Nookie Nugget!)- Swingers; Don't Blindsidie Your sweetie Over Breakfast - Sex Ed Fails Things We Should've Learned in Grade 9 And your questions to Sue! This week:- I Want To Try Anal- What's One Sex Tip Everyone Should Use With A New Lover- I Want To Hear More About Bi-Male AcceptanceOur sponsors: www.edenfantasys.com (July sale up to 85% off!)Our trip to Mexico: hhttps://playfulcoconuts.comOur website: www.turnedonpodcast.com

Every driven professional eventually reaches a crossroads where working harder no longer produces the desired growth. Mark Kull found himself at this junction after achieving Northwestern Mutual's prestigious Forum recognition in consecutive years, only to realize he was trapped in an unsustainable cycle of effort.What followed was a transformative journey from frantic producer to strategic business builder. Mark shares the counterintuitive wisdom that reshaped his approach: "You often have to slow down to speed up." This perspective shift led him to create what he considers more valuable than any to-do list – a comprehensive "don't-do list" that freed him to focus on his highest-impact activities.The conversation explores Mark's deeply personal definition of success: being "front door famous" – showing up as the same authentic person whether with family, clients, or strangers. This consistency of character guides his leadership and life choices more powerfully than traditional financial metrics ever could.Mark reveals the practical strategies that supported his transition, from calculating the true hourly value of his client-facing time to intentionally hiring team members with complementary strengths rather than similar personalities. He candidly discusses the challenges of letting go, acknowledging that "in our desperation to want to be everything to everybody, we don't really become much of anything to anybody."Perhaps most surprisingly, Mark credits consistent sleep and wake times as his most important habit – a discipline that builds self-trust and reinforces his capacity for follow-through in every area of life. His approach demonstrates how elite achievement often comes not from doing more, but from doing the right things with remarkable consistency.Ready to rethink your approach to growth? Connect with Mark at mark.kull@nm.com or visit https://cpp.nm.com/ to learn how strategic delegation and intentional habits might transform your personal and professional trajectory. In this podcast you will learn:• Redefining success as being "front door famous" – maintaining consistency of character across all environments• Creating a strategic "don't-do list" rather than just focusing on to-do lists• Calculating the hourly value of client-facing time to determine what tasks to delegate• Hiring people with complementary skill sets rather than similar personalities• Making the shift from "producing forum" to "being a forum producer" through systems and processes• Building in non-negotiable growth opportunities like mastermind groups and industry conferences• Using flexible growth methods like reading that can be done at various times without rigid scheduling• Celebrating wins intentionally rather than constantly moving goalposts• Maintaining consistent habits like regular sleep and wake times to build self-discipline• Finding team members who genuinely enjoy the tasks on your don't-do listHighlights:0:00Self-Actualization and Introduction7:12Defining Elite Success Personally11:40The Journey from Forum Producer20:24Building a Strategic Business30:24Creating Space for Growth39:06The Power of Consistency42:50Celebration and Final ThoughtsInterested in 1:1 Coaching?Kristin partners with high-performing financial advisors, leaders, and business owners who are ready to lead with more clarity, focus, and intention.Clients often come to her with a strong vision—but they aren't sure how to close the gap between where they are now and where they want to go. Many are navigating a season of growth, stepping into expanded leadership, or realizing they've outgrown their current systems and ways of...

Brian Schwingle, MN DNR forest health program coordinator, discusses how invasive species impact wildfires. The "Fire in MN forests" series is produced by Mark Jacobs.

“It's not going to take much to push us back into a shortage market where demand would exceed supply.” - Graham Scott, Vice President, Global Procurement at Jabil Semiconductor volatility is grabbing headlines again, but what's really happening beneath the surface for organizations buying and managing critical components? Graham Scott, Vice President of Global Procurement at Jabil, knows this landscape inside and out. In this episode, Graham speaks with Philip Ideson about the biggest pressures facing procurement teams, from AI-driven shifts in global supply, to the real cost of building resilient risk-management strategies.  Graham discusses how transparency and agility will set the winners apart, and why procurement teams must stay close to both operational details and C-suite priorities. For procurement teams steering spend, pushing for greater optionality or navigating complex geopolitical headwinds, Graham shares strategies they can use right now. Graham also covers: Assessing hidden risks behind “healthy” inventory levels Rethinking supplier relationships to secure mission-critical data Calculating the tradeoffs and ROI of dual sourcing Navigating the impact of AI and geopolitics on future investment Links: Graham Scott on LinkedIn Subscribe to This Week in Procurement Subscribe to Art of Procurement on YouTube

Disasters are a constant part of life on islands - but outsiders often just see the stats: storm categories, earthquake scales, eruption sizes. Behind those numbers are real people forced to live through harrowing experiences. In this episode, Matt and Emily ask: how do survivors make sense of the shock - and how do their stories help communities rebuild what was lost? In “Island Voices”, Darenthea Sweeney from Montserrat and Gregory Adams from the British Virgin Islands describe the lasting social effects of disasters. As a disaster management expert, Emily breaks it down for us in the 'Explainer'. Then, three academics – Adom Philogene Heron, Farah Nibbs and Gemma Sou – share how they work with communities affected by disasters to tell their own stories and push back against outside narratives. Finally, in “No Stupid Questions” Matt and Emily discuss whether anyone can ever truly prepare for a disaster on the scale faced by many small islands. Featuring: Emily Wilkinson (host) | RESI Director and Principal Research Fellow at ODI Matthew Bishop (host) | RESI Director and Senior Lecturer at the University of Sheffield Darenthea Sweeney | Schoolteacher and Climate Justice Leader, Montserrat Gregory Adams | Chief Planner, Government of the Virgin Islands Adom Philogene Heron | Lecturer in Visual Anthropology, University of Bristol, UK Farah Nibbs | Assistant Professor, Emergency and Disaster Health Systems, University of Maryland, Baltimore County, United States Gemma Sou | Senior Lecturer in Human Geography, Monash University, Australia Resources: Programme page | Resilient and Sustainable Islands Initiative (RESI) Emily's documentary | Climate Blueprint: Dominica Adom's university webpage | Dr Adom Philogene Heron Farah's university webpage | Dr Farah Nibbs Adam and Farah's project | Surviving Storms: Caribbean Cyclone Cartography Gemma's university webpage | Dr Gemma Sou Gemma's personal webpage | www.gemmasou.com RESI research on loss and damage | The price of a changing climate | Calculating loss and damage from extreme weather events | The costs of inaction | Barriers to addressing climate-related loss and damage Hosted on Acast. See acast.com/privacy for more information.

Did Ramit Sethi just destroy the biggest renting vs owning myth on the Diary of a CEO podcast? Caleb compares the costs of renting & owning a home to show which one is actually cheaper in the long run! 00:00 Introduction00:45 Renting Vs Owning04:50 Caleb Thoughts on Owning vs Renting05:25 Monthly Cost to Live?05:45 How Much Money Do You Need?06:16 What is the Alternative Investment Return?08:15 Pros and Cons of Owning and Renting a Property17:07 Calculator.net (Rent vs Buy)Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, Scott Carson breaks down a tape of 187 note assets, offering expert insights into geographic distribution, loan performance, and due diligence strategies. This is a must-listen for note investors looking to navigate the current market.Key Points Covered:Geographic Analysis:Tape covers 33 states, with a significant concentration in Texas and Florida.Strategic state selection based on foreclosure timelines.Loan Performance Breakdown:Performing, sub-performing, and non-performing notes.BK Chapter 13, Chapter 7, and modifications.Financial Metrics:Interest rates, BPO dates, and unpaid principal balance (UPB).Review of last 12 months payment history and payment amounts.Identification of non-performing assets.Discussion of BPO values and average equity.Analytical Techniques:How to determine the equity amount in a property.Calculating offering price based on equity and payment data.How to determine potential ROI based on payment data.Key Due Diligence Steps:Checking local legal balances.Analyzing legal status of foreclosures and bankruptcies.Understanding key parameters used to evaluate each loan.Conclusion:Scott Carson provides a comprehensive guide to analyzing a note tape, arming investors with the knowledge to identify profitable opportunities and make informed bidding decisions. From geographic considerations to in-depth financial analysis, this episode is a valuable resource for anyone looking to succeed in the note investing space.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the WCN Membership HERE!

This week on the Retirement Quick Tips Podcast, I'm sharing with you several resources that I use with my own clients when marking important decisions and planning for their retirement.  Today's free resource is my net worth worksheet. Unless you obsessively check your bank and investment accounts 5 times a day, it may not be intuitive why you need to know and track your net worth over time.  But knowing your net worth matters. Tracking your net worth over time is critical to reaching your financial goals, understanding your liquidity, and making smarter decisions with your money… For your free personal net worth worksheet, go to: www.truenorthra.com/networth A special bonus - if you complete your net worth worksheet and send it back to me, I'll send you a personalized analysis, complete with fancy pie charts to help you see what's working, as well as potential imbalances and red flags, along with my comments.  This is only for the first 10 people who send back their net worth statement, so be sure to download it at truenorthra.com/networth, then complete it and email it back to me at ashleym@truenorthra.com

Are you feeling financial stress in your Myofascial Release practice?  In this episode, Heather dives into the common anxieties therapists face regarding their numbers and finances. She outlines actionable steps to take control of your finances, including: Calculating the exact number of clients or packages you need to reach your financial goals. Tracking your personal and business expenses to gain clarity on your spending habits. Setting clear financial targets to help you feel more secure and in control. Implementing a simple tax calculation to prepare for tax season without stress. It's time to embrace your role as the CEO of your practice and take charge of your financial future. Tune in to discover how understanding your financial landscape can transform your experience in business and alleviate the overwhelm that often accompanies uncertainty.    NEW WEBINAR ALERT — Join Heather on August 5th at 2 PM Central for a live training session, "Sell MFR to Anyone in Any Situation." Learn how to effectively communicate your services and gain clients. Plus, unlock a bonus coaching call! Register now. And check out Heather's new book, "Your MFR Practice Starts Here: Get Fully Booked, Raise Rates, and Build the Business You Actually Want", available on Amazon. This book is a must-read for those who want to stop guessing and start building a profitable MFR practice that truly works for their lifestyle.    LINKS AND RESOURCES —

Should you take the lump sum or stick with monthly support payments? In this episode, Catherine and Karen unpack one of the most misunderstood yet consequential decisions in divorce: alimony buyouts. Together, they demystify how these lump sum payments are calculated, who truly benefits, and what hidden pitfalls can jeopardize your financial future. From passive income projections to payout timing and mortgage qualification hurdles—this deep dive explores the real-world scenarios and tough questions you must ask before signing your agreement. Lump Sum Alimony: Pros & cons for both payer and recipient Tax implications & investment risks Liquidity vs. long-term cash flow Calculating present value & discount rates Passive income assumptions—and why timing matters What if the payer can't pay all at once? Tranches, step-down payments, and protective clauses Impact on mortgage eligibility The role of life insurance and estate protection Why enforceability & agreement language matter The crucial importance of stress-testing financial plans Listener Challenge: Are you considering a lump sum offer? Screenshot this episode and send it to a friend or family member who might be weighing the same decision. Share the clarity.

Fellow ALS widow Willy Grant, who lost her husband, Glenn, to the disease in November of 2024, joins Kelsie to talk about the ALS information gap, misdiagnosis, learning to accept help, the personal benefits of public vulnerability and adjusting to life on the other side of loss. Donate to the ALS Society of Alberta here.Support the show

James Lawrence, better known as The Iron Cowboy, is a world-renowned keynote speaker, bestselling author, and endurance athlete who redefined human potential by completing 50 Ironmans in 50 days across all 50 states — and then doing the unthinkable — 100 full-distance triathlons in 100 consecutive days. Before becoming the greatest endurance athlete in history, James was a successful entrepreneur, running a thriving mortgage company and helping hundreds of clients build wealth through homeownership and strategic refinancing. That same relentless mindset that powered him through thousands of miles now fuels his ventures in multi-family real estate and ownership of Crumbl Cookie franchises. He's been named one of Sports Illustrated's “Fittest 50,” featured in two acclaimed documentaries, and honored alongside icons like LeBron James and Conor McGregor. But James's story isn't just about athletic records — it's about purpose, resilience, and refusing to settle for average. In this episode of In the Know, Chris Hampshire and James examine the importance of risk-taking in any successful career, techniques for transferring fear to excitement, and the possibilities that are available to those who are brave enough to tackle the unknown.   James will be the closing keynote and conferment speaker at this year's In2Risk event, taking place November 3‒5 in New Orleans. For more information and to register, visit In2Risk.org. Register by Sept. 5 to take advantage of early bird rates.   Key Takeaways James's pivot from the mortgage industry to extreme sports. The importance of risk-taking in any successful career. Calculating which risks bring the greatest rewards. The suffering is worth it when you show up prepared. The future is filled with possibilities for those who are willing to take risks. AI leverage has the potential to bring greater joy to the workforce. Techniques for transferring fear to excitement. Breaking monumental accomplishments down into manageable tasks. Personal development and risk-taking. Staying healthy while achieving incredible goals. What to expect from James's keynote presentation at In2Risk. A five-year look at the rapidly changing future. James's encouraging advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Sometimes hitting rock bottom can be the greatest gift.” “What is the risk that I have to take? And what is the benefit to myself, my family, my community?” “The suffering is always worth it if you show up prepared.” “For people who understand and leverage AI, it's going to bring a lot of joy and happiness in their lives.” “Am I going to allow fear to dictate my decisions, or am I going to continue to chase my dreams?” “Taking risks and personal development go hand in hand.”  

In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren't flashy, but they were incredibly effective. Whether you're in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.I'll also share the mindset shifts that made the biggest difference and how to apply these lessons to your own journey—even if you feel “behind.TIME STAMPS: 00:00 – Intro: approaching 30, thirties reflections01:30 – Housekeeping: templates, upcoming FIRE & real estate tools04:30 – Why financial progress takes years, not months06:00 – Decision #1: Living at home + keeping rent low10:00 – Decision #2: Starting a business (Break Your Budget)14:30 – Decision #3: Choosing a practical college major (Finance)18:30 – Decision #4: Tracking my expenses consistently22:00 – Decision #5: Calculating my FIRE & work optional numbers26:30 – Closing thoughts: Your 20s don't have to be perfect, they just need to be intentional

Extreme Heat: More Dangerous Than We Think?Extreme heat, one of the adverse consequences of climate change, exacerbates drought, damages agriculture, and profoundly impacts human health. Heat is the top weather-related killer in the United States, contributing to deaths that arise from heart attacks, strokes, and other cardiovascular diseases. As temperatures are projected to increase, so will the risk of heat-related deaths. Urban heat islands, cities with large numbers of buildings, roads, and other infrastructure, are ‘islands' of hot temperatures due to the reduced natural landscape, heat-generating human-made activities, and large-scale urban configuration. More than 40 million people live in urban heat islands in the United States, with this number only increasing as people continue to move from rural to urban areas. Around 56% of the world's total population lives in cities. Those living in large cities are more vulnerable to the effects of extreme heat, with research showing an increased mortality risk of 45% compared to rural areas. The risk of heat-related exhaustion and death is a major public health concern that is exacerbated by the climate crisis. The National Weather Service is in the process of creating a new interface known as HeatRisk, which uses a five-point scale to monitor the heat-related risk for vulnerable populations based on local weather data and health indicators. By mapping heat risk, climate scientists hope that individuals will now have a better understanding of the safety concerns associated with being outside during times of extreme heat. Understanding Heat Index DynamicsBefore stepping outside, most individuals check the daily weather prediction to get a sense of the average temperature. In order to measure the perceived temperature, climate scientists use a heat index, a calculation that combines air temperature and relative humidity to create a human-perceived equivalent temperature. Accurate prediction of the heat index is imperative as every passing year marks the warmest on record, with dangerous extreme heat predicted to become commonplace across arid regions of the world. Therefore, tracking such calculations is necessary in assessing future climate risk. Areas especially vulnerable to extreme heat heavily rely on an accurate prediction of temperature to determine if it is safe to go outside.However, there are over 300 heat indexes used worldwide to calculate the threat from heat, defeating the potential universality of this metric. Each heat index weighs factors differently, making it difficult to differentiate between various metrics. Dozens of factors are used to estimate the daily temperature based on predictions of vapor pressure, height, clothing, or sunshine levels. In addition, most heat indexes report the temperature assuming that you are a young, healthy adult and are resting in the shade, not in the sun. If outdoors, the heat index could be 15 degrees higher. If you are older, you may not be as resilient during intense temperatures.As a result, many climate scientists are calling for heat indexes that reveal the apparent risk of being outdoors on any given day. The elderly, children and infants, and those suffering from chronic diseases are more vulnerable to high temperatures than healthy, young adults, which needs to be accounted for when surveying temperature risk. Advanced Heat Assessment Tools: HeatRisk and WBGTThe National Weather Service's HeatRisk index is different from previous models as it identifies unusual heat times and places, also taking into account unusually warm nights. As such, it provides a more universal measure accounting for the degree to which people in the area are acclimated to various heat temperatures. The HeatRisk index can thus be used to gauge levels of danger associated with temperature, potentially altering an individual's behavioral patterns. For those working in outdoor fields, the WetBulb Globe Temperature (WBGT) measure can be particularly useful as a way to measure heat stress as it takes into account temperature, humidity, wind speed, sun angle, and cloud coverage. Different from the heat index, the WBGT includes both temperature and humidity and is calculated for areas in the shade. If not exercising or working outdoors, people can revert to the HeatRisk scale to calculate the potential hazards of being outside for longer periods. Heat Indexes are Harder to Calculate Than They AppearBecause scientists have to account for a variety of factors like geography, physics, and physiology, establishing a truly universal heat index is unlikely. For regions like Colorado, creating the criteria for a heat advisory has proven shockingly difficult. Heat indexes typically rely on temperature and humidity, however, the Colorado landscape is so dry that an advisory is very rarely triggered, even during heat waves. In such scenarios, the HeatRisk index provides a better gauge for outdoor safety. Most people underestimate the dangers of extreme heat and often ignore warning messages from local authorities. Educational programs are vital in informing the public on the dangers of extreme heat.Who is David Romps?David Romps, UC Berkeley professor of Earth and Planetary Science, is at the forefront of heat index research. Romps has found that those exposed to extreme heat suffer restricted blood flow and are often unable to physiologically compensate. Through his research, Romps believes that heat index calculations often underestimate the potential heat impacts on individuals, with the human body being more susceptible to heightened temperatures than commonly understood. Further ReadingCenter for Climate and Energy Solutions, Heat Waves and Climate ChangeHuang, et.al, Economic valuation of temperature-related mortality attributed to urban heat islands in European cities, Nature Communications, 2023National Weather Service, What is the heat index?National Weather Service, NWS Heat Risk PrototypeNational Weather Service, WetBulb Globe TemperatureSharma, More than 40 million people in the U.S. live in urban heat islands, climate group finds, NBC News, 20232023 was the world's warmest year on record, by far, NOAA, 2024Coren, The world needs a new way to talk about heat,  The Washington Post, 2023Hawryluk and KFF Health News, A New Way to Measure Heat Risks for People, Scientific American, 2022UC Berkeley Heat Index Research, David RompsUS EPA, Climate Change Indicators: Heat-Related DeathsUS EPA, What are Heat Islands? For at transcript of this episode, please visit  https://climatebreak.org/calculating-threats-from-rising-temperatures-using-heat-indexing-with-professor-david-romps/

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Both Russia and China are well-positioned to lead global efforts through multilateral institutions such as the UN and the International Atomic Energy Agency.

At any given time, 95% of potential B2B buyers aren't in-market for your product. Only 5% are actively shopping. Most people your ads reach won't buy anytime soon.This week, Elena, Angela, and Rob explore the 95/5 rule introduced by professor John Dawes in 2021. They discuss how this principle contradicts the familiar 80/20 rule, why the fundamental principle applies beyond B2B categories, and how brands can shift from "hunter" to "farmer" mindsets. The team also covers creative strategies for reaching the 95% who aren't ready to buy yet and why mental availability matters more than immediate conversion. Topics covered: [01:00] Origins of the 95/5 rule and how it contradicts 80/20 thinking[04:00] Why the rule makes sense for B2B but challenges B2C assumptions[07:00] How modern marketing overemphasizes tracking immediate conversions[09:00] Calculating the 95/5 rule for your specific category[12:00] Creative strategies that build memory structures for future buyers[14:00] Shifting from hunter to farmer mentality in advertising strategy[17:00] Brand versus performance marketing balance under this rule  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: John Dawes: The 95:5 Rule: https://johndawes.info/the-955-rule/ Tyrona Heath: Why You Should Follow The 95-5 Rule: https://tyronaheath.com/2022/08/11/why-you-should-follow-the-95-5-rule/ Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

This is a bitesize episode of 'The insuleoin Podcast - Redefining Diabetes'. Each week we'll take a look back into the archive of episodes and get you to think and reflective once more about some of the things we've learned over the past few years. In this week's BITESIZE:The importance of your over night blood sugar. Prime your needle before you use it. Calculating pre bolus. To hear the full episode check out episode #187: 5 Tips & Ideas That will Increase Your Energy & Time In Range %. Hosted on Acast. See acast.com/privacy for more information.

Are you losing money before the job even hits the floor? If your quotes are based on outdated spreadsheets, rough guesses, or a “that's what we've always charged” mindset, you might be setting your shop up to fail—before the first chip falls. In this episode of the Machine Shop MBA series, we tackle one of the most common (and costly) problems in manufacturing: bad quoting. Mike shares lessons from five shop acquisitions—each one quoting the wrong way. Paul lays out a clear framework for cost modeling, from flat-rate estimating to activity-based precision. And Nick brings it all home with real-world strategies for walking away from unprofitable jobs and quoting with confidence. You'll learn how to: Break down your true cost per hour (and why most shops get it wrong) Quote faster and win better work Tie quoting to sales strategy and customer fit Eliminate jobs that quietly kill your margin Because quoting isn't just a math problem. It's a leadership decision—and the future of your shop depends on getting it right. Segments (0:00) Friday energy, name mispronunciations, and intro banter (1:01) Why ProShop can help you achieve on-time delivery (2:34) Common quoting mistakes usually stem from broken models (6:25) Scarcity mindset vs. abundance mindset in quoting decisions (7:45) The four cost buckets you need to understand (9:22) Estimating 101, 201, and 301: building smarter quoting systems (12:58) How automation changes the math (or does it…?) (16:20) Value-based pricing: how some shops quote with confidence and win (18:00) Customer transparency: when it helps, and when it hurts (19:50) Sales pressure and quoting leverage: why quoting ties back to marketing (21:05) Calculating machine rates: depreciation, utilization, and more (24:30) Overhead, tooling, scrap—when to include it, and how (25:22) Stay tuned for Top Shops 2025 registration!  (27:45) Quoting efficiency: Don't win everything—win smart (30:42) Win rates: Why 100% is a red flag, and 40% might be just right (34:20) Speed-to-quote: The biggest untapped quoting advantage (37:43) Don't forget to charge for review, prep, and inspection (39:32) Kill the losers: How to identify and eliminate unprofitable jobs (44:38) Use quoting as a filter for new customer relationships (46:15) Knowing your limits and stretching your niche (51:17) Recap and preview: How quoting connects to sales, strategy, and growth  (55:30) Grow your top and bottom line with CLA Resources mentioned on this episode ProShop can help you achieve on-time delivery Episode #73: A Recipe for Winning High-Volume Work Stay tuned for Top Shops 2025 registration!  Machine Rate Spreadsheet FedEx French Benefits Commercial Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Jeff Bussgang of Flybridge Capital joins Nick to discuss Calculating the Market Size for AI, Building an "Experimentation Machine," the Bull Case for Non-Technical Founders, and the Key to PMF in the AI Age. In this episode we cover: Exits and Liquidity in Venture Capital The Experimentation Machine and AI Opportunity Evaluating AI Businesses and Founders Challenges and Opportunities in AI Investing Entrepreneurship Education and Startup Ecosystems Product-Market Fit and Customer Discovery Future of AI and Venture Capital Guest Links: Jeff's LinkedIn Jeff's X Flybridge's LinkedIn Flybridge's Website The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

Machiavelli guides your relationships, sex work funds your freedom, but loneliness looms. Can calculating hearts learn to love? Welcome to Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Jordan's must reads (including books from this episode): AcceleratEdFull show notes and resources can be found here: jordanharbinger.com/1162On This Week's Feedback Friday:Shiatsu on my shoulder makes me happy.What makes the difference between a storyteller and a snoreyteller?You're a trans woman with Machiavellian traits who craves intimacy but views relationships as cost-benefit transactions. After escaping an unhappy marriage, you're working at a brothel while running a business in rural Asia. Can someone who treats people like "toys" ever find genuine connection?Remember that emotional affair with your coworker Bob while you had a boyfriend in episode 1037? Well, life just served up a delicious plot twist: you landed your dream job only to discover you're now working directly with Bob's girlfriend. She wants to be best friends. What could possibly go wrong?You're a federal power plant operator facing potential job cuts under the new administration. They're offering a resignation package with continued pay through September, but there's a job opportunity in NYC. Do you hedge your bets or roll the dice on government stability? [Thanks to federal employment lawyer Justin Schnitzer for helping us with this one!]Recommendation of the Week: WayfindersGabe attended a two-day dance workshop involving forced vulnerability exercises, portal-walking declarations, and receiving roses for sharing your "truth." He proclaimed "I am available" and felt like he failed at emotional openness. Did the workshop miss the mark, or was he too defended to benefit?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:DeleteMe: 20% off: joindeleteme.com/jordan, code JORDANOura Ring: 10% off: ouraring.com/jordanShopify: 3 months @ $1/month (select plans): shopify.com/jordanNordVPN: Exclusive deal: nordvpn.com/jordanharbingerLand Rover Defender: landroverusa.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05-20-25 - Entertainment Drill - TUE - Calculating That Belichick's Fiance Was A Baby When He Won First Super Bowl - Lethal Weapon 5 Is Happening w/Gibson And GloverSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.